Small Business Superannuation Clearing House

The Small Business Superannuation Clearing House (SBSCH) is a free service you can use to make Super Guarantee (SG) contributions. Eligible businesses are those with 19 or fewer employees or an annual aggregated turnover of less than $10 million.

Your business can pay your SG contributions as a single electronic payment to the SBSCH. If you make super payments by EFT or BPAY using your credit card account, you may be charged a fee by your financial institution.

The SBSCH will then distribute the payments to each employee's super fund. Your SG obligations are met as soon as your payment and instructions are accepted by the SBSCH. The SBSCH is SuperStream compliant.

Accessing the SBSCH

How you access the SBSCH depends on your business situation. The clearing house can be accessed via:

the Business Portal (BP) if you are a business with an ABN and BP account

ATO Online Services via myGov if you are a business or sole trader with an ABN or withholding payer number (WPN) but no BP account. Please note you should log in using your business account (ABN), not your personal account (TFN).

ensure your SG obligations are met as soon as your payment and instructions are accepted by the SBSCH (please refer to the terms and conditions)

access your transaction history.

Note: Any employee you have paid super for will remain on your SBSCH account for historical purposes. If you are no longer required to pay super for an employee you should go into the system and add an end date against that employee's record. This will make them 'inactive' in the SBSCH.

Employers paying to employees' self-managed super funds (SMSFs) are required to obtain and submit correct electronic service addresses (ESA), ABNs and bank account details in order for payments to be processed. If your employee does not provide the choice of fund information before you are required to make a payment you must make the payment to your default fund.

Payments may take up to seven business days to be transferred through ATO and super fund processes into an employee's super fund account. Payments made can be viewed in the “Historical tab” within the SBSCH.

Payments can be made by credit card. We use the Reserve Bank’s Government EasyPay service.

A payment reference number (PRN) will be provided to you for use when paying by BPAY, credit card, or direct credit. Using the wrong PRN will delay processing and may result in payment rejection.

We confirm that where an employer has made a payment to the SBSCH by the quarterly due date, and their payment has been accepted by both the SBSCH and the relevant fund, they are considered to have met their obligations under the Superannuation Guarantee (Administration) Act 1992. This is irrespective of any delays in crediting amounts to employee super accounts.

Tips to ensure fund payment acceptance

If there is a mistake in your employee's details, their super fund may reject your payment and send it back to us.

Before you click 'submit', make sure you've checked the accuracy and currency of the:

Our commitment to you

We are committed to providing you with accurate, consistent and clear information to help you understand your rights and entitlements and meet your obligations.

If you follow our information and it turns out to be incorrect, or it is misleading and you make a mistake as a result, we will take that into account when determining what action, if any, we should take.

Some of the information on this website applies to a specific financial year. This is clearly marked. Make sure you have the information for the right year before making decisions based on that information.

If you feel that our information does not fully cover your circumstances, or you are unsure how it applies to you, contact us or seek professional advice.